[Remote] Senior Software Engineer, Auto
Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace dedicated to reducing borrowing costs and complexity for Americans. They are seeking a Senior Software Engineer to enhance their Auto Secured Personal Loan product through the development of customer-facing features, eligibility systems, and operational workflows, while collaborating with cross-functional teams to improve borrower experiences and operational efficiency.
Responsibilities
- Build and improve product features that expand access to Upstart’s Auto Secured Personal Loan product and support growth in originations
- Design and deliver customer-facing funnel improvements, eligibility logic, and workflow automation that improve borrower experience and operational efficiency
- Partner with product, operations, risk, and engineering teams to evaluate tradeoffs across customer experience, risk, complexity, and speed to market
- Develop durable, scalable engineering solutions that create leverage for future secured lending product expansion
- Contribute to the team’s technical direction by identifying implementation risks, improving execution standards, and communicating progress and decisions clearly
- Support high-quality delivery in a regulated environment through thoughtful system design, testing, observability, and cross-functional alignment
Skills
- Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, and 4+ years of software engineering experience
- Experience designing, building, testing, and deploying production software systems
- Experience developing customer-facing product features, platform capabilities, or backend services in a production environment
- Experience working with cross-functional partners such as product management, design, analytics, operations, legal, or compliance
- Experience making technical tradeoffs across system reliability, maintainability, scalability, and product delivery timelines
- Knowledge of consumer lending, fintech, marketplace, or regulated product environments
- Experience building or improving conversion funnels, eligibility systems, decisioning workflows, or operational automation
- Ability to work through ambiguous product and technical problems by using data, judgment, and clear communication
- Skills in influencing technical direction and aligning stakeholders without direct authority
- Experience developing systems that balance customer experience, compliance needs, risk controls, and long-term engineering quality
Benefits
- Target bonuses
- Equity compensation
- Generous benefits packages (including medical, dental, vision, and 401k)
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits, including life insurance and disability coverage for added financial security
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits to support fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
Company Overview
Company H1B Sponsorship